Sometimes you need help making your mortgage payment. Conditional Forbearance may be the help you need.

When you have unexpected financial difficulties you may find it hard to continue making your monthly payments. With a conditional forbearance you can make lower payments for a limited time, typically three months. This allows you to keep your mortgage from going further delinquent while you resolve your financial situation.

The benefits of a conditional forbearance are:

• Reduced payments for a fixed time
• Suspended foreclosure proceedings pending the completion of the forbearance plan
• After the set number of payments your loan will return to your regular payment schedule per the terms of your note
• If you have unpaid delinquent amounts you may need a repayment plan or loan modification upon completion of the forbearance plan

A conditional forbearance may be the right program for you if you:

• Have a short-term financial difficulty that is or will soon be resolved
• Need a few months of lower payments after which you will be able to afford your full monthly payment
• Will be able to pay off your delinquent amounts upon completion of the forbearance plan or can qualify for a repayment plan at that time

If you think a conditional forbearance will help you to get caught up on your mortgage payments, call 1-888-851-5544 or 510-667-0475 to speak to a bank representative.

To qualify for a conditional forbearance you'll need to prove a financial hardship. If we determine that you have a financial hardship great enough to keep you from being able to make your payment you may receive a conditional forbearance. You'll be sent documents to sign that outline the terms of the forbearance. Upon completion your payments will return to your normal monthly payments and any delinquent amounts will then be due.